In the state of California, you are required to have a valid auto insurance policy to drive legally. This policy has to provide a certain amount of coverage to fulfill legal requirements. Here is what you need to know about getting an auto insurance policy from Robert Guerrero Insurance Services.
The first thing you'll need to consider when shopping for a California auto insurance policy is the type of policy you need. There are two primary policy types when it comes to auto insurance: liability coverage and full coverage.
Liability coverage is the minimum required coverage in just about every state. A liability policy will cover damages to the other driver and their vehicle but not your damages. It also costs less, so liability coverage is often the best choice for less expensive vehicles.
Full coverage covers damages to both the other driver's vehicle and your vehicle. This type of insurance is required when you're still paying off a car loan, but many people also choose full coverage when they have a more expensive car.
When you file a claim with Robert Guerrero Insurance Services, you will need to pay a deductible. If the damages are less than your deductible, you will have to pay out of pocket. Because of this, it's important to find a deductible small enough that you can comfortably pay it without risking paying out of pocket for big repairs. Keep in mind that a lower deductible will raise your monthly premium.
If you need a California auto insurance policy, Robert Guerrero Insurance Services can help. To learn more about the type of California auto insurance policy you need and get a quote, check out our website, visit our office, or give us a call.
